AI-powered. Commission-blind.
Insurance answers, without the sales pitch.
You protect everyone. We protect you.
Ask anything about insurance — what you have, what you need, or what someone's trying to sell you.
Free. No signup to start. We never sell your details.
Ask the questions nobody answers straight
It reads your actual policy
"Does my policy cover PCOS?"
Upload it and find out, including how much of the waiting period is left.
It knows what standard cover misses
"Is ₹5 lakh enough for delivery?"
Real costs by city, what your sub-limit actually pays, what's left over.
It tells you when you don't need something
"Should I buy this rider?"
Often the honest answer is no. You'll get it.
Built on 25 years of insurance product design. Not a chatbot reading brochures.
Have a policy? Or about to buy one?
Upload it — health, term, accident, home, business, anything. Find out what's actually covered, what isn't, and what's still waiting.
You don't have to be buying from us. Take what you learn to whoever you're buying from. Knowing which features to insist on is worth more than where you buy them.
Check a policy →Work out the numbers before you need them
What will having a baby actually cost?
Delivery, prenatal, newborn's first year — by city, with what your cover pays and what it doesn't.
Read the guide →How exposed are you on that board seat?
"Independent director" sounds like a shield. It's closer to a conditional defence.
Read the guide →Or start with the full picture
Five minutes, and you'll see where you stand across income, health, home, life, business, and the years ahead — plus one guided action a month for a year.
Start free →The questions nobody answers straight
Founded by a 25-year insurance product veteran. IRDAI-registered, incubated at NSRCEL, IIM Bangalore. Read the full story →
Prefer to talk it through?
Before you ask us anything
Is Ask AVYA actually free?
Yes. No signup required to start, no payment method requested.
Will you try to sell me something?
No. Ask AVYA answers from policy wordings and regulation, not from what earns us commission — and it never recommends AVYA's own products in conversation.
Is my data safe if I upload a policy?
Your document is read to answer your question, then discarded. Not saved to your account, not stored on a server, not used to train anything.
Do I have to buy from AVYA after asking?
No. Take what you learn to whoever you're buying from. Knowing which features to insist on is worth more than where you buy them.
What if Ask AVYA doesn't know the answer?
It says so, rather than guessing.
Is this insurance advice?
It's an explanation of what a policy or product actually says. Choosing a specific product happens in a consultation with a licensed human, not in a chat window.
You're not the only one asking
The AVYA Circle — a community of women working through the same questions, plus a live session with experts every month.
Join the AVYA Circle →